Health Savings Account

Medical expenses can add up, but a Health Savings Account (HSA) helps you manage them and has tax advantages.*


Open a CEFCU HSA if you're covered by a High-Deductible Health Plan*. Keep funds from year to year — even if you change jobs, medical coverage, or marital status.

Access funds through a CEFCU HSA Debit MasterCard®, online, or at any Member Center to pay qualifying medical expenses:*

  • Office visit co-pays
  • Prescription drugs
  • And more

The only time you pay an annual fee of $25 is if your HSA balance is less than $2,500.

Open your HSA today!

HSA Debit Card

HSA Debit Card

There’s an easier way to use your HSA funds — the free CEFCU HSA Debit MasterCard. 

You can use your HSA Debit Card wherever MasterCard, Cirrus®, or Maestro® are accepted. Plus, there's Zero Liability** on qualifying purchases.

*Consult your tax advisor for help determining your eligibility to open an HSA and your allowable contributions and withdrawals. As custodian/trustee of your HSA, CEFCU is not responsible for determining your allowable contribution amounts or whether distributions are used for qualified medical expenses. Your total contributions and withdrawals are reported annually to the IRS.

HSAs were developed by Congress for consumers with high-deductible health plans. If you are not enrolled in Medicare, you can use tax-free savings to pay for current or future qualified medical costs.

**Zero Liability: Pay only for purchases which you have authorized on your MasterCard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details.